Country Risk (Economic, Political, Natural Disaster) Economic: Largest economy in south-east Asia, and is one of the emerging market economies of the world. The country is also a member of the G-20. Political: Becoming more and more stable. Natural Disaster: The country is susceptible to Tsunamis and Volcanoes.
Potential for success: According to the description, Tengku’s business is highly successful, and the only thing holding her back is capital in order to increase the space for her business. The fact that this occupation went from her hobby to a full-fledged business suggests that it is highly successful.
Potential for sustainability: This business is very sustainable as people will always need to buy clothes, and she buys cloth from local merchants/
Potential for regional economic benefit: Tengku’s business supplies the populace with well-made clothes and creates a demand for cloth and other raw materials needed for clothes.
3. Borrower
Perceived level of need: In order to make this business more successful, she needs more capital.
Financial responsibilities/commitments of individual: She is responsible for her 4 children.
4. Summary:
Tengku Anika seems to be a mother who is very hardworking and intelligent; she has been in business for over 27 years and must know what she is doing; she has been able to make her hobby a business. Helping Mrs. Anika would help a fledgling business while providing economic benefits to the region as she would be buying raw materials from farmers and providing a reliable source of clothing for consumers. The borrower is not all that trustworthy, but Indonesia is a country which seems slightly dangerous; it has active volcanoes and a poor economy. Overall, however, this seems like an intelligent investment.
Country Risk (Economic, Political, Natural Disaster) Economic: Ecuador has a terrible economy which is shrinking Political: There is tension between the president and Ecuadorians because of the economy; but it is largely peaceful. Natural Disaster: There is an above average chance of a volcano explosion occurring.
Potential for success: This food stand has the potential to be very successful given its position in a highly touristic city and the fact that Delia has been in this place for the past three years, so she must know the local needs and wants.
Potential for sustainability: a food stand that buys its produce organically has a high sustainability, and people will always be in need of food, so demand will always be present.
Potential for regional economic benefit: Having an extra demand for food will help farmers gain a better livelihood as they will have clients, and the clients of this food stand will be able obtain a secure source of food.
3. Borrower
Perceived level of need: In order to be able to pay for her children to go to university, she must expand her business.
Financial responsibilities/commitments of individual: She is responsible for her children.
4. Summary:
Delia Andrea seems to be a mother who is very hardworking on intelligent; she has been in business for over 3 years and must know what she is doing. Helping Mrs. Andrea would give regional economic benefits to the region as she would be buying crops from farmers and providing a reliable source of food for consumers. The borrower seems trustworthy enough, but Ecuador is a country which seems slightly dangerous; it has active volcanoes and a poor economy. Overall, however, this seems like an intelligent investement.
KIVA – Loan Justification Your Name:
Potential Recipient URL http://www.kiva.org/lend/349761
Name: Tengku Anika
Country: Ecuador
Type of Loan: Foodstuffs
Criteria
1. Risk
Borrower (Credit history/Personal character): Vision Fund
Field Partner (Risk Rating, Delinquency Rate, Default Rate):
Risk Rating: 40%
Delinquency Rate: 0.00%
Default Rate: 0.00%
Country Risk (Economic, Political, Natural Disaster)
Economic: Largest economy in south-east Asia, and is one of the emerging market economies of the world. The country is also a member of the G-20.
Political: Becoming more and more stable.
Natural Disaster: The country is susceptible to Tsunamis and Volcanoes.
2. Business Plan - Small Business Start Ups
Potential for success: According to the description, Tengku’s business is highly successful, and the only thing holding her back is capital in order to increase the space for her business. The fact that this occupation went from her hobby to a full-fledged business suggests that it is highly successful.
Potential for sustainability: This business is very sustainable as people will always need to buy clothes, and she buys cloth from local merchants/
Potential for regional economic benefit: Tengku’s business supplies the populace with well-made clothes and creates a demand for cloth and other raw materials needed for clothes.
3. Borrower
Perceived level of need: In order to make this business more successful, she needs more capital.
Financial responsibilities/commitments of individual: She is responsible for her 4 children.
4. Summary:
Tengku Anika seems to be a mother who is very hardworking and intelligent; she has been in business for over 27 years and must know what she is doing; she has been able to make her hobby a business. Helping Mrs. Anika would help a fledgling business while providing economic benefits to the region as she would be buying raw materials from farmers and providing a reliable source of clothing for consumers. The borrower is not all that trustworthy, but Indonesia is a country which seems slightly dangerous; it has active volcanoes and a poor economy. Overall, however, this seems like an intelligent investment.
Loan #2
KIVA – Loan Justification Your Name:
Potential Recipient URL: http://www.kiva.org/lend/351054
Name: Delia Andrea
Country: Ecuador
Type of Loan: Foodstuffs
Criteria
1. Risk
Borrower (Credit history/Personal character): Fodemi
Field Partner (Risk Rating, Delinquency Rate, Default Rate):
Risk Rating: 70%
Delinquency Rate: 0.00%
Default Rate: 0.00%
Country Risk (Economic, Political, Natural Disaster)
Economic: Ecuador has a terrible economy which is shrinking
Political: There is tension between the president and Ecuadorians because of the economy; but it is largely peaceful.
Natural Disaster: There is an above average chance of a volcano explosion occurring.
2. Business Plan - Small Business Start Ups
Potential for success: This food stand has the potential to be very successful given its position in a highly touristic city and the fact that Delia has been in this place for the past three years, so she must know the local needs and wants.
Potential for sustainability: a food stand that buys its produce organically has a high sustainability, and people will always be in need of food, so demand will always be present.
Potential for regional economic benefit: Having an extra demand for food will help farmers gain a better livelihood as they will have clients, and the clients of this food stand will be able obtain a secure source of food.
3. Borrower
Perceived level of need: In order to be able to pay for her children to go to university, she must expand her business.
Financial responsibilities/commitments of individual: She is responsible for her children.
4. Summary:
Delia Andrea seems to be a mother who is very hardworking on intelligent; she has been in business for over 3 years and must know what she is doing. Helping Mrs. Andrea would give regional economic benefits to the region as she would be buying crops from farmers and providing a reliable source of food for consumers. The borrower seems trustworthy enough, but Ecuador is a country which seems slightly dangerous; it has active volcanoes and a poor economy. Overall, however, this seems like an intelligent investement.
Source: http://future.state.gov/where/stories/countries/44262.htm